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I can advise on existing pensions and set up new pensions. Many people have various pots of pensions from previous employment and very often the value of these individually can be eroded by high charges and poor performance. Bringing these together following a detailed analysis can often reduce costs and enhance overall performance.

Pensions are a great way of saving as they benefit from tax relief so a contribution of £100pm means £125 with tax relief and for a higher rate taxpayer (40%) £100pm becomes £166.66.

They are an excellent way of saving for retirement and as part of an investment strategy to take advantage of allowances.

I can also advise on pension sharing orders in respect of Divorce and employer schemes for tax efficiency.

Find out more about me

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PO Box Address

1231 Cheltenham
Gloucestershire
GL50 9XP

Tel

01242255125

Email

joan@graysgroup.co.uk